📊 FCCO Key Takeaways
Is First Community Corp. /Sc/ (FCCO) a Good Investment?
First Community Corp demonstrates solid profitability with $19.2M net income and strong free cash flow generation of $17.6M, but the financial data exhibits critical anomalies that severely limit confidence in the analysis. The extreme revenue contraction (-99.1% YoY) combined with implausibly high profit margins (2083% net margin) and concerning interest coverage of 0.7x suggest either data quality issues, extraordinary one-time events, or accounting irregularities that require investigation.
FIRST COMMUNITY CORP /SC/ shows solid bottom-line profitability, with $19.20M in net income, 11.5% ROE, 0.9% ROA, and positive free cash flow generation. However, the reported 99.1% revenue decline and extreme margin figures indicate bank-reporting/data-mapping distortions, so the core earnings picture looks stable but growth quality is unclear. The balance sheet appears conservatively positioned with meaningful cash and no reported long-term debt, but underwriting the story requires confirmation that net interest income, deposit costs, and credit quality remain intact.
Why Buy First Community Corp. /Sc/ Stock? FCCO Key Strengths
- Strong free cash flow generation of $17.6M with 1906.6% FCF margin indicates cash generation capability
- Fortress balance sheet with zero long-term debt and $161.1M in cash equivalents provides financial flexibility
- Positive ROE of 11.5% demonstrates acceptable shareholder returns on equity base of $167.6M
- Profitable with positive net income, healthy ROE, and solid ROA for a community bank
- Positive operating cash flow and free cash flow with low capital intensity
- Balance sheet appears conservatively structured with strong liquidity and no reported long-term debt
FCCO Stock Risks: First Community Corp. /Sc/ Investment Risks
- Revenue collapsed 99.1% year-over-year, indicating severe operational challenges or non-recurring revenue in prior period
- Profit margins of 2083% are economically implausible for a commercial bank and signal data integrity concerns or extraordinary items masking underlying operations
- Interest coverage ratio of 0.7x is critically low and suggests inability to service debt obligations from operating income
- High volume of insider activity (30 Form 4 filings) during period of financial distress warrants scrutiny
- Reported revenue collapse and extreme margins suggest financial-statement classification issues that reduce confidence in trend analysis
- Interest coverage of 0.7x points to potential pressure from funding costs or earnings sensitivity to rates
- Growth quality is uncertain because flat net income contrasts with higher EPS, implying benefit from share-count changes rather than core earnings expansion
Key Metrics to Watch
- Net interest margin and loan loss provisions to assess core banking profitability
- Revenue normalization and explanation of 99% YoY contraction
- Interest coverage ratio improvement back to sustainable levels above 2.5x
- Asset quality metrics and non-performing loan ratio
- Net interest margin and net interest income trend
- Nonperforming assets / provision for credit losses
First Community Corp. /Sc/ (FCCO) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 1,906.6% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
FCCO Profit Margin, ROE & Profitability Analysis
FCCO vs Finance Sector: How First Community Corp. /Sc/ Compares
How First Community Corp. /Sc/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is First Community Corp. /Sc/ Stock Overvalued? FCCO Valuation Analysis 2026
Based on fundamental analysis, First Community Corp. /Sc/ appears fundamentally strong relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
First Community Corp. /Sc/ Balance Sheet: FCCO Debt, Cash & Liquidity
FCCO Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: First Community Corp. /Sc/'s revenue has declined by 42% over the 5-year period, indicating business contraction. The most recent EPS of $1.55 reflects profitable operations.
FCCO Revenue Growth, EPS Growth & YoY Performance
FCCO Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $228.0K | $3.9M | $0.50 |
| Q2 2025 | $224.0K | $3.3M | $0.42 |
| Q1 2025 | $221.0K | $2.6M | $0.34 |
| Q3 2024 | $228.0K | $1.8M | $0.23 |
| Q2 2024 | $220.0K | $2.6M | $0.42 |
| Q1 2024 | $232.0K | $2.6M | $0.34 |
| Q3 2023 | $240.0K | $1.8M | $0.23 |
| Q2 2023 | $220.0K | $3.1M | $0.41 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
First Community Corp. /Sc/ Dividends, Buybacks & Capital Allocation
FCCO SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for First Community Corp. /Sc/ (CIK: 0000932781)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FCCO
What is the AI rating for FCCO?
First Community Corp. /Sc/ (FCCO) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 56% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FCCO's key strengths?
Claude: Strong free cash flow generation of $17.6M with 1906.6% FCF margin indicates cash generation capability. Fortress balance sheet with zero long-term debt and $161.1M in cash equivalents provides financial flexibility. ChatGPT: Profitable with positive net income, healthy ROE, and solid ROA for a community bank. Positive operating cash flow and free cash flow with low capital intensity.
What are the risks of investing in FCCO?
Claude: Revenue collapsed 99.1% year-over-year, indicating severe operational challenges or non-recurring revenue in prior period. Profit margins of 2083% are economically implausible for a commercial bank and signal data integrity concerns or extraordinary items masking underlying operations. ChatGPT: Reported revenue collapse and extreme margins suggest financial-statement classification issues that reduce confidence in trend analysis. Interest coverage of 0.7x points to potential pressure from funding costs or earnings sensitivity to rates.
What is FCCO's revenue and growth?
First Community Corp. /Sc/ reported revenue of $922.0K.
Does FCCO pay dividends?
First Community Corp. /Sc/ pays dividends, with $4.8M distributed to shareholders in the trailing twelve months.
Where can I find FCCO SEC filings?
Official SEC filings for First Community Corp. /Sc/ (CIK: 0000932781) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FCCO's EPS?
First Community Corp. /Sc/ has a diluted EPS of $2.47.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FCCO a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, First Community Corp. /Sc/ has a HOLD rating with 56% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is FCCO stock overvalued or undervalued?
Valuation metrics for FCCO: ROE of 11.5% (sector avg: 12%), net margin of 2,083.0% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy FCCO stock in 2026?
Our dual AI analysis gives First Community Corp. /Sc/ a combined HOLD rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is FCCO's free cash flow?
First Community Corp. /Sc/'s operating cash flow is $18.7M, with capital expenditures of $1.1M. FCF margin is 1,906.6%.
How does FCCO compare to other Finance stocks?
Vs Finance sector averages: Net margin 2,083.0% (avg: 25%), ROE 11.5% (avg: 12%), current ratio N/A (avg: 1.2).